"The biggest hardship I have faced in life is paying school fee for my son in secondary school from the little income I earn from my small scale business since it is not stable enough to fully support my family. " (Country: Kenya)

"I spent my second transfer on buying construction materials like iron sheets, bricks, timber at 1,200,000. Then used the balance of 400,000 ugx as labor to build my house since the one I have been using is about to fall. I will now have a peace of mind knowing that my life is safe from a falling roof. " (Country: Uganda)

"My new goal is to purchase a tent that I will use in my business to cover the bricks whener it rains and through this business, I know that I will be able to get more money." (Country: Kenya)

"I sent my second transfer for buying a bull at 620000Ugx, a cow at 340000Ugx, got 2 gardens on mortgage, the first garden paid 500,000Ugx, second 200,000Ugx, bought thatch at 200,000Ugx and balance I used for buying food." (Country: Uganda)

"Am supposed to spend part of my second tranfer for buying a cow at 600,000Ugx, I have already bought a door and window at 80,000Ugx, for my Iron roofed house, 2 bags of cement at 62,000Ugx, bed sheets at 25,000Ugx, kitchen utensil at 22,000Ugx, I gave my 11 children 20,000Ugx each totalling to 220,000Ugx and the remaining balance I have kept for buying food for my self." (Country: Uganda)

"I spent my second transfer for getting a garden on morgage of 500,000Ugx, bought bricks at 300,000Ugx, cleared the remaining debt on labour for building my house 220,000Ugx, bought a door at 160,000Ugx, 2 windows at 130,000Ugx ,a solar system at 130,000Ugx, Nails 60,000Ugx and the remaining balance I used for buying clothings and food." (Country: Uganda)

"I spent my second transfer for getting a garden on morgage of 800,000Ugx, I cleared a debt of 450,000Ugx, bought maize at 50,000Ugx, used 30,000Ugx for treating my wife and I used some money for buying clothings and food for the family." (Country: Uganda)

"I spent my second transfer on buying a cow worth 760,000 ugx then I spent 100,000 ugx on my treatment. Then the balance I am spending it finishing my house." (Country: Uganda)

"I am spending my second transfer on constructing a four roomed mabati house." (Country: Uganda)

"I am planning on how to spend my second transfer." (Country: Uganda)